Enable Simple Digital Credential Loading

Enable simple digital credential loading into participating merchants and wallets at scale.

Visa enables issuers to gain push provisioning capabilities with a host of merchants and wallets, without the need to contract and integrate with each Token Requester 1-1.

Available for use by

Issuers

Regional Availability

Global

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Enable cardholders to “push” a token from the issuer experience into a destination wallet or merchant

Push provisioning is a generic capability that enables cardholders to “push” a token from the issuer experience into a destination wallet or merchant. However, to enable such “pushing”, issuers have historically needed to contract and integrate with each service separately. Visa’s Network Hub Push Provisioning (NHPP) service provides such connections at scale. Token Requesting Card-On-File (COF) merchants and Card-Present (CP) wallets can all opt into the NHPP experience to enable push provisioning at scale.

NHPP Scenario

Emily was just approved for a new credit card. Based on KYC data, the issuer displays custom offers for loading the new card into merchants and wallets. Emily is excited by the offer for one month free with a music subscription service, so she accepts the offer and signs up for the music service. NHPP loads the token into her new account. The issuer then asks Emily if she’d like to load her card into other leading wallets and merchants. Emily does so, loading her new card into a few favorite merchants. Finally, Emily enjoys the music service and gets the discount.

New Credit Card Approved

New Credit Card Approved

Emily was just approved for a new credit card

Display Custom Offers

Display Custom Offers

Based on KYC data, the issuer displays custom offers for loading the new card into merchants and wallets

Accept Offer

Accept Offer

Emily is excited by the offer for one month free with a music subscription service, so she accepts the offer and signs up for the music service.

Load Token

Load Token

NHPP loads the token into her new account.

Load Other Wallets?

Load Other Wallets?

The issuer then asks Emily if she’d like to load her card into other leading wallets and merchants.

Load Card and Enjoy Offer!

Load Card and Enjoy Offer!

Emily does so, loading her new card into a few favorite merchants. Finally, Emily enjoys the music service and gets the discount.

Sample Same-Device Push experience

Consumer begins in issuer experience (device agnostic)

Consumer selects the desired wallet                                         

Consumer confirms a card to use in wallet              

Payment credentials are ready to use in wallet

Sample Card-On-File experience

Consumer begins in issuer experience (device agnostic)                              

Within the Issuer app, consumer chooses to add their card to a COF merchant

Consumer logs into (or creates) merchant account                                                    

Consumer confirms card

 

Payment credentials are ready to use in wallet

Key Benefits for Issuers

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Push Provisoning

Push provisioning into all participating token requestors with a single integration.

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Digital Issuance

Enable “last mile” of instant digital issuance: Assuming your systems can create and enable immediate use of a new digital payment credential, NHPP enables the newly provisioned credential to be loaded into useful endpoints (wallets/merchants).

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Gain Top-of-Wallet Status

Gain top-of-wallet status in participating token requestors.

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Open New Marketing Channels

Merchants/wallets may pay you for preferred placement to encourage consumers to sign-up for their services within your NHPP flow.

Key Benefits for Cardholders

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Load new cards into favorite merchants/wallets simply and easily.

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Receive offers for new merchant services.

APIs Used

Visa Token Service Provisioning and Lifecycle Management

Issuer enables the Visa card to be securely and conveniently used in digital wallets in order to keep the card top-of-wallet and remove the need to re-issue a card when a device with a digital wallet is lost.

Learn more about Visa Token Service Provisioning and Lifecycle Management

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